Navigate Your Future
We would be honored to assist you.
please fill out the form to speak to a specialist.
If you are turning 65 soon Medicare may seem confusing.
You are probably getting hit by a lot of advertising, much of it you may not understand.
Would you believe the insurance industry and most people selling Medicare coverage are creating the confusion rather than solving it?
However, if you get the right advice, it’s not confusing.
It becomes simple.
You have two basic Medicare choices:
Choice one: Original Medicare, parts A and B.
plus Medigap and Drug, Part D
- Go to any hospital, doctor or specialist that takes Medicare (Most do).
- Receive treatment anywhere in the US.
- Full flexibility and control of your health care.
- Generally utilizes the addition of a separate Medicare Supplement (Medigap) policy and a Part D drug plan.
- Medicare (the government) pays 80% of your bills directly. Medigap insurance pays the 20% left.
- The more expensive of the two options.
Choice two: Medicare Advantage, or Part C
- Uses PPO or HMO networks.
- Similar to employer, or personal (Obamacare) coverage.
- Insurance companies pay your costs.
- Restrictions on which doctors you can access — known as being in or out of network.
- HMO plans generally require primary care doctor referral to see a specialist.
- PPO plans often have specialist co-pay.
- Offers ‘extra benefits’ — dental, vision, drug store credit, that Original Medicare doesn’t.
- Bundles hospital, doctor and drug coverage into one plan effectively replacing Original Medicare.
- The less expensive of the two options.
You must choose one of the two. You can’t do both.
It is an important, financially based, decision that requires consideration. We will help you choose. There is no cost for our service. We are paid by the carriers to help you.
Here is the most important question:
Can I afford the flexibility and control of the more expensive option, Original Medicare, Or do my finances require a more cost-effective solution, Medicare advantage?
This is primarily a financially based decision.
However most people in the Medicare business have little or no financial expertise. So they can’t help you with this most important question. Instead, they further confuse you with a lot of talk about insurance ‘plans’.
We are different.
We are financial professionals with 30 years of experience providing financial advice.
We offer a free, 20-to-30-minute consultation where we will discover which option is better for you, Original Medicare, or Medicare Advantage.
Once we have answered that question, properly, we will be able to enroll you in the right Medicare coverage. We have access to all relevant Medicare options in your area.
If you make a bad decision, it will likely cost you money and take months or years to fix. Don’t risk it.
We look forward to speaking with you.
You don’t have to navigate Medicare Alone.
The professionals at Turning 65 Medicare are here to help.